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      "text": "Leading Community Bank in the Attractive Greater NYC Area; Well Diversified and Low Risk Loan Portfolio; History of Sound Credit Quality; Asian Banking Niche; Beneficiary of Lower Short-Term Rates or a Steepening of the Yield Curve",
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      "text": "3Q23 Key Statistics: Assets $8.6B, Loans $6.9B, Deposits $6.7B, Equity $0.7B; Performance: ROAA 0.44%, ROAE 5.57%, Exp/Assets 1.62%, TBV $22.48, Div Yield 7.1%",
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